performance of MSMEs. This research includes the type of associative research that is accompanied by hypothesis testing. This … significantly affect access to formal credit and MSME performance; formal credit access directly and significantly affects MSME … performance. Likewise, financial literacy and credit terms indirectly affect the performance of MSMEs. These results mean that …

and superior performance. Prior studies have discussed several determinants of competitive advantage and performance … performance and the moderating role of financial literacy between enterprise risk management practices and competitive advantage … performance. Competitive advantage partially mediates the relationship between enterprise risk management practices and SME …